Japan is still more cash-dependent than most developed countries. Hokkaido is more cash-dependent than Tokyo. While credit cards work at hotels, department stores, and chain restaurants, many smaller restaurants, market stalls, onsen, and rural businesses are cash-only.
How Much Cash to Carry
Keep 10,000-20,000 yen on hand at all times. In eastern Hokkaido or rural areas, carry more — ATMs can be sparse outside cities.
ATMs
- 7-Eleven ATMs — the most reliable for foreign cards. Available 24/7 in cities. Look for the international ATM sign.
- Japan Post ATMs — in post offices, also accept foreign cards. Limited hours (usually 9:00-17:00 weekdays).
- Bank ATMs — most Japanese bank ATMs do NOT accept foreign cards. Do not rely on them.
- New Chitose Airport — has international ATMs in the arrivals area. Withdraw cash on arrival.
Credit Cards
Visa and Mastercard are the most accepted. JCB (Japanese brand) works widely. Amex is less common outside major hotels.
Where cards usually work: Hotels, department stores, chain restaurants, convenience stores, train stations, major attractions
Where cash is usually needed: Small restaurants, ramen shops, market stalls, onsen, local buses, some rural attractions, shrines
IC Cards
Kitaca (Hokkaido), Suica, PASMO and other IC cards work for public transport and at convenience stores, vending machines, and many shops. They function as contactless payment. Load them with cash at any station. See our subway guide.
Tipping
Japan does not tip. Do not tip at restaurants, hotels, taxis, or anywhere else. It can cause confusion. Exceptional service is simply the standard.
Currency Exchange
ATM withdrawal gives the best rates. If you need to exchange cash, airports and major banks offer reasonable rates. Avoid hotel exchange desks (worst rates).